Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$363,028Cash toward the purchase price.
Closing costs + prepaids$11,245Not just lender fees.
Before credits & paid funds$374,273The complete starting cash picture.
Estimated remaining funds due at closing
$374,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,028.03
Your down payment$363,028.03
Closing costs + prepaids$11,244.56
Total buyer cash needed$374,272.59
Remaining funds due$374,272.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$546.75
Initial HOA (3 months)$75.00
Prepaid interest, first (29 days)$197.81
Fees + prepaids$11,244.56
Your down payment is the seller’s equity. You take over the $56,972 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $374,272.59 is due at closing. Uses and sources reconcile at $431,244.56 each. Not a Closing Disclosure.